COULD YOU BENEFIT FROM A FINANCIAL PLAN?
YOUR ANSWERS TO THESE 20 QUESTIONS WILL HELP YOU DECIDE

Answer the questions below.  For each item, select an option.
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Cash Flow Management

1. Do you have a current budget?

Yes
No
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2. Do you limit your spending on nonessential items, like meals out and recreation?

Yes
No
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3. Are you saving enough money each month to pay for future major purchases, such as a new home, new auto, or college costs?

Yes
No
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4. Do you currently have enough saved to pay for this year's major expenses, such as vacations or gifts?

Yes
No
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Debt Management

5. Do you have less than $5,000 in credit card debt?

Yes
No
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6. Do you have the lowest possible interest rates on all consumer and mortgage loans?

Yes
No
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Tax Planning

7. Was your tax refund less than $500 last year?

Yes
No
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8. Was your taxable investment income less than $1000 last year?

Yes
No
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Investment Planning

9. Do you have an emergency fund equal to at least 90 days of net pay?

Yes
No
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10. Do you contribute enough to your company savings plan to receive the maximum company match if offered?

Yes
No
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11. Is your investment portfolio properly allocated between stocks, bonds, and cash?

Yes
No
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12. Are you earning the best possible returns on your savings and investments?

Yes
No
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Insurance Planning

13. Do you have the correct amount and type of medical, life, and disability insurance at the lowest net cost?

Yes
No
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14. Do you have high limits and the proper deductible on your auto and home owners insurance?

Yes
No
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Retirement Planning

15. Do you know how much money you must have accumulated by retirement in order to generate adequate income for life?

Yes
No
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16. Are you saving enough money each month to accumulate the amount you will need by retirement?

Yes
No
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Estate Planning

17. Do you have an up-to-date will, living will, testamentary trust, and durable power-of attorney?

Yes
No
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18. Are all assets titled correctly?

Yes
No
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19. Do you maintain an organized record keeping system?

Yes
No
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20. Have you reviewed your entire financial picture with a trusted advisor in the last two years?

Yes
No
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